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Civista Bancshares
(NASDAQ:CIVB)
Civista Bancshares (CIVB) vs. SPDR S&P 500 ETF (SPY)
Civista Bancshares Business Overview & Revenue Model
Civista Bancshares Earnings Call Summary
Civista Bancshares Financial Statement Overview
| Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 241.90M | 217.48M | 152.98M | 134.19M | 126.18M |
| Gross Profit | 146.55M | 155.80M | 135.28M | 123.73M | 105.93M |
| EBITDA | 47.60M | 62.95M | 52.79M | 51.25M | 40.30M |
| Net Income | 31.68M | 42.96M | 39.43M | 40.55M | 32.19M |
Balance Sheet | |||||
| Total Assets | 4.10B | 3.86B | 3.64B | 3.01B | 2.77B |
| Cash, Cash Equivalents and Short-Term Investments | 329.94M | 679.90M | 660.24M | 815.06M | 491.69M |
| Total Debt | 450.88M | 454.19M | 643.35M | 204.23M | 183.34M |
| Total Liabilities | 3.71B | 3.49B | 3.30B | 2.66B | 2.42B |
| Stockholders Equity | 388.50M | 372.00M | 334.83M | 355.21M | 350.11M |
Cash Flow | |||||
| Free Cash Flow | 44.06M | 59.27M | 18.68M | 38.83M | 30.68M |
| Operating Cash Flow | 48.25M | 62.70M | 25.18M | 40.76M | 32.65M |
| Investing Cash Flow | -258.80M | -311.78M | -410.36M | -130.50M | -340.98M |
| Financing Cash Flow | 213.30M | 266.13M | 164.30M | 216.93M | 398.80M |
Civista Bancshares Technical Analysis
Civista Bancshares Risk Analysis
Civista Bancshares Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $301.37M | 11.18 | 9.74% | 5.93% | 8.59% | 14.56% | |
75 Outperform | $309.92M | 6.60 | 14.25% | 4.02% | 4.02% | -0.62% | |
73 Outperform | $379.56M | 7.99 | 10.02% | 3.27% | 6.20% | 18.80% | |
73 Outperform | $319.03M | 17.44 | 6.04% | ― | 16.29% | -12.22% | |
70 Outperform | $310.36M | 9.58 | 11.35% | 2.72% | 5.13% | -6.84% | |
67 Neutral | $17.06B | 11.24 | 9.31% | 3.84% | 11.08% | -3.39% | |
63 Neutral | $303.02M | 12.63 | 7.50% | 2.21% | 1.75% | 2.76% |
Civista Bancshares Corporate Events
On July 22, 2025, Civista Bancshares, Inc. announced amendments to its Code of Regulations to align with developments in the Ohio General Corporation Law and to modernize its governance practices. Key changes include the Board’s authority to set alternate dates for shareholder meetings, updated director compensation provisions, the election of a Lead Independent Director when necessary, modernized indemnification standards, and the transition to uncertificated shares. These amendments aim to enhance governance efficiency and reflect current industry standards.
The most recent analyst rating on (CIVB) stock is a Hold with a $18.50 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.
On July 29th and 30th, Civista Bancshares‘ senior management participated in the 26th Annual KBW Community Bank Investor Conference in New York, aiming to engage with investors. This event underscores Civista’s proactive approach to investor relations and its strategic efforts to strengthen its market presence and stakeholder engagement.
The most recent analyst rating on (CIVB) stock is a Hold with a $18.50 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.
On July 22, 2025, Civista Bancshares, Inc. announced that its Board of Directors approved a quarterly dividend of 17 cents per common share, maintaining the previous quarter’s rate. This dividend, amounting to approximately $3.3 million, offers an annualized yield of 2.89% based on the closing stock price of $23.20 as of June 30, 2025, reflecting the company’s stable financial performance and commitment to returning value to shareholders.
The most recent analyst rating on (CIVB) stock is a Hold with a $18.50 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.
On July 16, 2025, Civista Bancshares, Inc. announced the completion of the sale of an additional 494,118 common shares following the exercise of the underwriters’ overallotment option from its recent public offering. The sale, priced at $21.25 per share, is expected to generate approximately $9.9 million in proceeds for the company, enhancing its financial position and potentially influencing its market operations.
The most recent analyst rating on (CIVB) stock is a Hold with a $18.50 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.
On July 10, 2025, Civista Bancshares announced an underwriting agreement with Piper Sandler & Co. for a public offering of 3,294,120 common shares, expected to close on July 14, 2025, with net proceeds of approximately $65.5 million. The funds are intended for general corporate purposes, including growth opportunities and strategic transactions. Additionally, Civista entered into a merger agreement with The Farmers Savings Bank, which will merge into Civista Bank, adding two branches and $183 million in low-cost core deposits. The merger, valued at approximately $70.4 million, is expected to close in the fourth quarter of 2025, enhancing Civista’s presence in Northeast Ohio and offering expanded opportunities for both banks.
The most recent analyst rating on (CIVB) stock is a Buy with a $19.00 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.
On July 10, 2025, Civista Bancshares‘ senior management will meet with investors to discuss an opportunistic follow-on offering and the acquisition of The Farmers Savings Bank. This strategic move is expected to enhance Civista’s market presence and expand its operations, potentially benefiting stakeholders by increasing the company’s competitive positioning in the financial services industry.
The most recent analyst rating on (CIVB) stock is a Hold with a $18.50 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.
On June 27, 2025, Civista Bancshares, Inc. announced that it will release its second quarter 2025 financial results before the market opens on July 24, 2025. The company will also host a conference call and webcast on the same day at 1:00 p.m. Eastern Time to discuss these results, allowing analysts to participate in a question-and-answer session. This announcement is part of Civista’s ongoing communication with stakeholders about its financial performance and strategic direction.
The most recent analyst rating on (CIVB) stock is a Hold with a $18.50 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.
On June 6, 2025, Civista Bancshares, Inc. amended its Supplemental Nonqualified Retirement Plan (SERP) to increase the retirement benefit for Charles A. Parcher, following his promotion, and added Ian Whinnem as a participant. Additionally, Civista Bank revised its Endorsement Split Dollar Life Insurance Agreement with Parcher, raising the net death benefit to align with his updated SERP benefit. These changes reflect the company’s commitment to enhancing executive compensation and benefits, potentially impacting its competitive positioning in retaining key personnel.
The most recent analyst rating on (CIVB) stock is a Hold with a $18.00 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.
From May 5th to May 7th, 2025, Civista Bancshares‘ senior management will engage with investors at the D.A. Davidson Financial Institutions Conference in Scottsdale, Arizona. This engagement is part of their ongoing efforts to enhance investor relations and potentially strengthen their market positioning.